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Ohio Valley Banc Corp. reported for the quarter and six months ended June 30, 2026 that total assets rose to $1.66 billion from $1.58 billion at year-end 2025, driven mainly by loan growth to $1.25 billion and higher interest-bearing deposits with banks.
Net interest income increased to $15.4 million for the quarter and $30.3 million year‑to‑date, but a substantially higher provision for credit losses reduced profitability. Quarterly net income declined to $2.9 million (EPS $0.62) from $4.2 million, and six‑month net income fell to $7.2 million (EPS $1.53) from $8.6 million.
The allowance for credit losses on loans increased to $16.6 million from $11.5 million, reflecting higher modeled and specific reserves, including collateral‑dependent credits. Deposits expanded to $1.41 billion, shareholders’ equity improved to $173.4 million, and the company paid $0.48 per share in dividends year‑to‑date while recognizing a $377 gain on Visa equity securities.
Ohio Valley Banc Corp director Michael Seth Isaac reported acquiring common shares. On 2026-08-12 he purchased 67.4321 Common Shares at $44.4892 per share in a transaction described as an open market or private purchase, funded as voluntary cash for a dividend reinvestment plan (DRIP). The same day, he also acquired 4.2615 additional Common Shares coded as an “other” transaction, with a footnote stating that ending balances differ from prior reports due to shares acquired under a dividend reinvestment plan. Post-transaction share totals are not stated in this report.
OHIO VALLEY BANC CORP director Anna P. Barnitz reported multiple acquisitions of Common Shares on 2026-08-12. She purchased 33.7161 shares at $44.4892 per share as a Voluntary Cash for DRIP under the company’s dividend reinvestment program. Additional acquisitions labeled as other transactions under the Ohio Valley Banc Corp. Dividend Reinvestment Plan totaled 50.5228 shares directly and 0.2183 shares in each of two indirect custodial accounts for her sons, with each such account reported at 39.0413 shares following the transactions.
Ohio Valley Banc Corp. reported consolidated net income for Q2 2026 of $2,927,000, a decrease of $1,283,000, or 30.5%, from the prior-year quarter, with EPS of $0.62 versus $0.89. For the first six months of 2026, net income was $7,224,000, down $1,392,000, or 16.2%, and EPS was $1.53 versus $1.83 in 2025. Return on average assets and equity were 0.89% and 8.48%, below prior-year levels.
Net interest income rose on higher average earning assets, especially targeted commercial loans, but the net interest margin narrowed to 3.93% in Q2 2026 from 4.17% as funding costs increased faster than asset yields. Provision for credit losses increased sharply to $3,755,000 for the quarter and $5,377,000 year-to-date, mainly from higher specific allocations on two collateral-dependent commercial loans and reserves tied to loan growth.
Credit metrics reflected this stress: nonperforming loans were 1.44% of total loans at June 30, 2026, versus 0.45% a year earlier, while the allowance for credit losses rose to 1.33% of total loans. Total assets reached $1.661 billion, up $79 million, or 5.0%, from year-end 2025, driven by growth in loans, balances at the Federal Reserve, and deposits.
Ohio Valley Banc Corp. reported first-quarter 2026 net income of $4.3 million, slightly below $4.4 million a year earlier, as higher credit costs offset solid core banking growth. Earnings per share were $0.91 versus $0.94.
Total assets increased to $1.68 billion from $1.58 billion at year-end 2025, driven by loan growth to $1.21 billion and deposits rising to $1.42 billion. Net interest income improved to $14.9 million, but the provision for credit losses rose to $1.6 million. Unrealized losses on the securities portfolio reduced other comprehensive income, bringing total comprehensive income to $2.1 million. The company paid a quarterly cash dividend of $0.23 per share and ended the period with $171.3 million in shareholders’ equity.
Ohio Valley Banc Corp. reported leadership and governance changes alongside routine shareholder voting results. The board appointed K. Ryan Smith as the company’s first independent chairman, succeeding long-time chairman Thomas E. Wiseman, who remains a director. Ryan J. Jones was elected president of OVBC and The Ohio Valley Bank Company and added to both boards, while Larry E. Miller II continues as chief executive officer.
The board amended OVBC’s Code of Regulations to clarify that the chairman serves at the board’s pleasure and is not automatically an officer. At the 2026 annual meeting, shareholders elected three directors for terms expiring in 2029, approved executive compensation in an advisory vote, and ratified Plante & Moran, PLLC as independent auditor for 2026. OVBC also highlighted plans for expansion, including a new loan office in Charleston, West Virginia, and early-stage planning for locations in South Bloomfield and Ironton, Ohio.
Ohio Valley Banc Corp director Michael Seth Isaac increased his direct holdings of Common Shares. He completed an open-market purchase of 65.4453 shares at $45.8398 per share and a separate 3.7586-share acquisition labeled as “Voluntary Cash for DRIP,” reflecting additional investment through the company’s dividend reinvestment plan.
Ohio Valley Banc Corp director Anna P. Barnitz increased her stake in company stock. On 2026-05-12, she made an open-market purchase of 32.7226 common shares at $45.8398 per share, bringing her direct holdings to 8,942.2731 common shares.
She also completed several small additional acquisitions totaling 49.0118 common shares coded as restructuring transactions, including shares held as custodian for two sons. Footnotes state these were acquisitions under the Ohio Valley Banc Corp Dividend Reinvestment Plan, including voluntary cash contributions.
Ohio Valley Banc Corp. reported first-quarter 2026 net income of $4.3 million, down 2.5% from the prior year, with earnings per share of $0.91 versus $0.94 a year earlier. Return on average assets was 1.08% and return on average equity was 10.17%.
Core banking performance was solid, as net interest income rose 13.3% to $14.9 million, driven by $121 million growth in average earning assets, led by higher commercial loans, and a wider net interest margin of 4.01% versus 3.85%. However, provision for credit losses increased to $1.6 million, primarily from specific allocations on two collateral-dependent loans, and the nonperforming loan ratio climbed to 1.64%. Total assets reached $1.68 billion, with deposits rising $94 million and shareholders’ equity at $171.3 million.